anybody involved in moving money from one place to another is confronting a new regulatory environment, and we have our banks against the wall confronting audit as well as our stockholders. >> rht. lou: by the end of the year, what kind of economy here? how much growth? we saw the fourth quarter revise again. what do you think it will be this year? >> i think by the end of the year we're going to be a solid 3%. that kind of assumes that all the pieces fall in to place. lou: yeah. there's that caveat. we appreciate it. greg miller, sun trust. we're delighted to see you. >> my pleasure. >>> up next lou dobbs to be the. we're going hollywood. stay with us. if you've got copd like me... ...hey breathing's hard. know the feeng? copd includes emphysema and chronic bronitis. spiriva is a oncdailinhaled copd maintenance treatment that helps open my obstructed airways for a full 24 hours. spiriva helps me breathe easier. spiriva handihaler tiotropium bromide inhalation powder does not replace fast-acting inhalers for sudden symptoms. tell your doctor if you have kidney problems, glaucoma, trble